Surveys show that some 15% of American women are without maternity health insurance. Should there be medical complications the medical bills they will face can be devastating. This piece will show you how to obtain cheap health cover that to save you from penury.
What does maternity health insurance mean?
A health insurance cover with an in-built maternity option. As of today, there are no health insurance plans that cover only maternity health.
The plans available that include maternity health insurance cover are:
* This is an indemnity plan but is very expensive as it allows you to select a hospital or doctor of your choosing.
* The cheapest plans are the managed health care packages (PPO, POS, HMO) that will assign your medical care to a network of hospitals and doctors. These have the cheapest plans available.
The basic insurance cover will pay for about all you maternity related medical expenses: hospital fees, doctors' charges and any prescription drugs needed during the pregnancy.
Is maternity health insurance for pregnant women?
It is not availed anyone by private companies if you are pregnant on application. There are however some state run covers like Medicaid health guide and California's Medi-cal designed for low-income families. You can visit your state's website to find out if the state runs a maternity program for low-income groups.
If you are ineligible for state supported maternity health cover and are already pregnant, you should call hospitals in your locale and try to bargain for lower rates. A good number of hospitals can offer you a discount provided that you pay their fees in cash.
Where do I find low-cost maternity health insurance?
By visiting insurance comparison sites and getting quotes from many companies will be about the best way of finding the cheapest cover, unless you qualify for state funded programs.
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